Why did my home insurance go up $800 if I didn't file a claim?

I just got a policy renewal letter with my home insurance company. The rate went up around $800 per year, and I didn't even file a claim. What gives?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Rates can go up for a variety of reasons. In your situation, this could mean that inflation or the cost to repair/rebuild your home has gone up exponentially. Booming home prices may also be to blame for the increased rate on your home insurance policy.
As states regulate insurance, there also could have been a state-wide increase.
With that said, you may want to ask your insurer if you can save money by adding a
car insurance
policy, as many insurers give you a discount for bundling. It’s worth a shot, and if they don’t want to lower the rate, start shopping elsewhere.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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